pricing

We believe in being transparent with our clients about our fee structure. As a FIDUCIARY, we are legally and ethically obligated to put our client’s interests above our own by seeking out the most efficient and economical way to achieve their planning goals. 

For insurance planning we work on a commission basis which is determined by the insurance carriers - we are not beholden to any particular company, so you will never feel like you are being sold a policy because a higher commission is at stake. 

When it comes to investment management we work on an Assets Under Management model and not on a commission basis. This fee model means we charge a percentage of the total assets we manage for you on an annual basis (paid monthly/quarterly depending on the platform). Again, we are not beholden to any particular investment platform, but we do have our favorites and will generally start with those to see if they are a good fit. The fees for investing with us range from around 1.0% to 1.9% annually of assets under management - depending on the platform. All of this will be spelled out in our client service agreement so there is never a question about fees.